Business debt refinance
Restructure business debt around cash flow — not just a lower advertised rate.
Compare refinancing or consolidating business loans, overdrafts, merchant facilities, ATO debt and other commitments where the new structure genuinely improves the position.
- Map every current balance, repayment and payout cost
- Compare term, security and total cash-flow effect
- Consolidation only helps if the new structure is actually better
Refinanceexisting facilities
Cash flowstructure first
40+lender options
40+ lender optionsNo lender check to enquireBusiness finance from $5K
Before refinancing
Measure the whole structure.
A lower rate can still be worse if fees, term extension or security costs outweigh the benefit.
| Check | Why |
|---|---|
| Current payout balances | Know what actually has to be refinanced. |
| Monthly cash-flow effect | Compare repayments before and after. |
| Total term and cost | A longer term can reduce repayments but increase total cost. |
| Security and guarantees | Do not trade short-term relief for disproportionate security risk. |
Common questions
Can ATO debt be included in a business refinance?
Some lenders may refinance tax debt or consider it within a broader restructure. The ATO status, conduct, lodgements and serviceability are important.
Can I consolidate merchant cash advances and business loans?
Potentially, depending on payout figures, cash flow, lender policy and whether the new structure materially improves the business position.
Ready to check the finance options?
Start with the amount, purpose and business profile.
GPS Finance Group is an Authorised Credit Representative (CRN 000575797) of AFAS Group Pty Ltd, Australian Credit Licence 414426. Finance is subject to lender assessment and approval. Privacy · Credit Guide · Complaints